please help!!!

[sam614]

the last time i heard anything from about this debt was around 4 years ago. since then i heard nothing.

Then all of a sudden i get bombarded with phone calls from this jbdr.

Is this still statue barred???

 

was your last payment over 6 yrs?

 

SAM:pLOWELL DETESTER

[sam614]

thats the point

it seems the ccj is over six years old

they would need the permission of the court to enforce

as its been so long

no chance

 

thats why welcome have floged it to the dca

 

as stated

if a dca does not start enforcement action with in 6 months of the debt assignment

 

they can then swing for it

 

 

DCA will be granted permission within 12 calendar months of purchase date,IF UNDER 6 YRS.they also need valid cca and doa.court details will still be held if within 6yr of ccj date.

 

OVER 6YRS.they will only have 6 calendar months.still need cca/doa. BUT also need court details as they are removed from central court files.

 

you need date of judgement and doa of dca.

 

imho.as post says cant see it going anywhere thats why the lemon has been off loaded to dca.

 

SAM

[sam614]

ben.

out of interest has the latest dca.made you aware of ccj and/or threatened to enforce?

SAM

[sam614]

they either dont know. or know and KNOW that they are up the creek without a paddle.

if they had anything it would have been a case of 1 contact,pay up or we will enforce:D

 

you could check court registry on line and see straight away,but it costs £8.

 

I would also say send them statute barred,see what they get back with.

you should have credit file by then.

 

SAM

[sam614]

me thinks getting well ahead of our self on this one

 

did you get a n1 county court claim

have you had any paperwork from a court

 

welcome are very big on saying they have issued a claim

 

most of the time its bs

 

do you , or have you had at any time correspondants to say you ever had a ccj

 

 

now thats a thought.could welcome have fibbed:eek:

 

SAM:pLOWELL DETESTER

[sam614]

do you mean that they have associated you with 27 other addresses?

[sam614]

no sam. the are around 4 associated addresses but there are 27 entries.is this welcome keeping a eye on you

 

a few companies have entered the same info several times of but changed the format slightly.

companies as in DCA? and trace or search

 

 

 

are any of these JBDR?

[sam614]

so there is no default or ccj on your file.

 

if there had been and it has now fell off,you will have to wait and see if they mention ccj.

 

how long have they been in contact?

[sam614]

no. companies as in... my our mortgage provider, our joint bank account, my partners bank have even put an entry on my credit file.

 

There are even 4 entries made by experian which are all dated the same.

Now i'm confused.WHAT DO THESE SAY.

 

There are no entries from JBDR at all Sam.

what date did JBDR first contact you

[sam614]

you have no way of finding out if there had ever been a ccj.

its over 6 years,off your file and been removed from central court records.

 

IF they respond to your statute barred and mention ccj.they CAN NOT do anything even if they have original details.

permission will not be granted.

 

what do you mean by pretending to be OR?

[sam614]

as long as it is 6 calandar months since they contacted you they will not be able to enforce a ccj.

 

I think that their had been one but its to late for them now,

game over.

 

are you at the same address now,that they first contacted you at.

[sam614]

exactly that.

The woman spoke really quietly and extremely quickly...

She said she was Miss M from blah blah and had bee appointed my OR as JBDR had petitioned me for bankrupcy. she went on tho say that she and the creditors were holding a meeting to discuss my assets and that i should seek legal help.

 

Funny how everytime i asked her to speak up she just ignored me and carried on with her BS.

 

In the end i told her to p*ss off as she was obviously speaking quietly for a reason known only to her

 

BULL.

 

miss m was trying to impress and meant OM.:D

[sam614]

it is complete crap they are trying to pull.

 

IMHO wait and see if they respond to your statute barred.

depending on what sh*t they come back with

we take it from there.

 

as postggi says let them try and we go for the throat.

 

SAM

[sam614]

when a company is SERIOUS about bankrupcy they appoint a OPINION MANAGER

(OM)

 

who contacts you and tries to pursuade you to resolve the issue with out the need for them to take this action(basically pay up) they then advise the creditors of the discussion.

 

me thinks miss whats her face was a threat monkey with ideas above her station,who needs new glasses.

 

forget till they get back

 

SAM

[sam614]

ditto on that one sam

 

 

makes me

 

just thinking of all who do not get any help.and fall for this crap.

 

SAM

[sam614]

absolutley nothing:D

 

looks like they have accepted your statute barred claim,because they did not know about the ccj,or they did and know that they are out of time to apply to the court.

 

 

if another dca now crawls out of the woodwork,you can tell them that it is statute barred and inform them of the date that JBDR were made aware of this.

 

you can then have the pleasure of informing the new one that they have brought a lemon.

 

and report JBDR to all and sundry.

 

SAM

[sam614]

Thanks for that sam. You are a star for letting me know.your welcome.:Dglad it worked out for you.

Why do some dca's choose to ignore SB letters?pure greed.

I sent SB letter to your favourite dca, lowells, and got a letter back within a week!sheer desperation as they are having a bad year,and very bleak future:wink:

Also sent an SB letter to fredrickson (partners ex cap one) and even they respnded within a week, although their letter only stated that they have been instructed to cease chasing the debt.

 

Thanks for all your help people.

My partner and I would've been well and truly out of pocket without the help of you amazing people on CAG.

 

SAM